CSA put me out of buisness

**Cat sdp** · 05.10.2012

Data analysts are bottom feeders.

**Meltom** · 05.10.2012

Everyone is someone's bottom feeder.

**shredfit1** · 05.10.2012

Originally Posted by TLeaHeart

Exactly my point. The insurance company is using the data that has always been there even before CSA. Are they using it correctly NO. Violations were always accessable to the insurance companys.

CSA did not change any laws, but is a new way to look at exsisting data, and an attempt to quantify that data.

Well, not really.

Now the insurance company has direct access to data created by warnings... NOT citations or violations. Warnings! Of course, one does not get to fairly contest any warnings. Unless you call the DataQ joke a fair contest.

**Meltom** · 05.10.2012

Originally Posted by shredfit1

Well, not really.

Now the insurance company has direct access to data created by warnings... NOT citations or violations. Warnings! Of course, one does not get to fairly contest any warnings. Unless you call the DataQ joke a fair contest.

So what the insurance companies are doing are creating profiles for drivers. A driver that shows a pattern of poor inspection probably has poor behaviors. These drivers then become statistically more likely to be a liability so they don't want to insure them. Makes sense too me, it's not a very fair system and you could lose a few drivers that do not have bad behaviors but my guess is the ends justify the means. Insurance company ends up paying out less in the end and collecting more in premiums.

**MNdriver** · 05.10.2012

I'll thank BigJay for this lesson in life.

It's actually called Actuary science. They figure out the "profiles" and statistics behind the insurance.

http://www.beanactuary.org/why/?fa=day-in-the-life

What is working as an actuary really like?

We asked actuaries to describe a typical day on the job. Here is what they had to say:

Karen DeToro, Senior Manager, Deloitte Consulting LLPA, and Fellow of the Society of Actuaries:
I work as an actuarial consultant, so my days vary greatly. In the past several months, I've traveled to New Jersey, Indianapolis, Las Vegas and London, and I have trips coming up to Hartford and New York. On those days, I'm typically working for a specific client at their office or visiting some of my colleagues in other Deloitte offices.

Today, I'm working in my office in Chicago. So far today, I've researched the applicable accounting rules and written a report for a client who's acquiring a small life insurance company; provided guidance over the phone to a colleague regarding the audit of an insurance company; attended an in-house training session on the modeling of life insurance reserves; worked on a spreadsheet model to do financial projections for a client; and worked on developing some materials for an SOA committee on which I serve. All of those activities are representative of the various facets of my job—research, written communications, verbal communications, on-the-job learning opportunities, technical actuarial work, and professional volunteering.

**shredfit1** · 05.10.2012

Originally Posted by Meltom

So what the insurance companies are doing are creating profiles for drivers. A driver that shows a pattern of poor inspection probably has poor behaviors. These drivers then become statistically more likely to be a liability so they don't want to insure them. Makes sense too me, it's not a very fair system and you could lose a few drivers that do not have bad behaviors but my guess is the ends justify the means. Insurance company ends up paying out less in the end and collecting more in premiums.

Now your being silly. One could say this about anything... Alcohol related accidents still occur daily despite the rigid enforcement in place on the matter. Should we then ban all alcoholic beverages? Would that end justify the means? Oops, they already tried that and it didn't work out so well.

I also doubt that CSA will do ANYTHING to improve safety. They want perfection, and.... bubble buster.... the world isn't perfect. Moreover, what was in place before CSA obviously WAS working... more trucks on the road than EVER and accident fatality rate is down. One really has to wonder, if you have something with evidence that it is indeed working... Let's change it... To me, this is absolutely absurd.

**48Packard** · 05.10.2012

Originally Posted by shredfit1

I also doubt that CSA will do ANYTHING to improve safety. They want perfection, and.... bubble buster.... the world isn't perfect. Moreover, what was in place before CSA obviously WAS working... more trucks on the road than EVER and accident fatality rate is down. One really has to wonder, if you have something with evidence that it is indeed working... Let's change it... To me, this is absolutely absurd.

This is government in a nutshell. A bunch of "intellectuals" who believe their thinking on behalf of the population will make a more perfect world. Monumental egos and too many statistics equals level misery.

**MNdriver** · 05.10.2012

ever wonder WHY that fatality rate is down?

because some bean head is sitting there looking at what's happening and looking to put it together "in a big picture" and those things that cause the deaths are slowly eliminated or mitigated.

**KD8FQB** · 05.10.2012

Originally Posted by Meltom

So what the insurance companies are doing are creating profiles for drivers. A driver that shows a pattern of poor inspection probably has poor behaviors. These drivers then become statistically more likely to be a liability so they don't want to insure them. Makes sense too me, it's not a very fair system and you could lose a few drivers that do not have bad behaviors but my guess is the ends justify the means. Insurance company ends up paying out less in the end and collecting more in premiums.

It seems to me that CSA is more of a benefit to insurance companies than safety on the highway.

I see the point behind CSA, since the only thing a driver can do anymore to protect their livelihood is do everything by the book, but with some companies these days it seems that running legal will get you fired quicker than having a marker light out.

So I guess my question would be is this going to turn into a battle between company and driver as to who is going to eat those points when the load doesn't allow for time to make things legal?

Seems to me that the system is a little unbalanced.

**Meltom** · 05.10.2012

Originally Posted by KD8FQB

It seems to me that CSA is more of a benefit to insurance companies than safety on the highway.

I see the point behind CSA, since the only thing a driver can do anymore to protect their livelihood is do everything by the book, but with some companies these days it seems that running legal will get you fired quicker than having a marker light out.

So I guess my question would be is this going to turn into a battle between company and driver as to who is going to eat those points when the load doesn't allow for time to make things legal?

Seems to me that the system is a little unbalanced.

It's a flawed system to say the least. I'm not a big fan of anything on a percentile grade, you can look really good if everyone sucks, or you can look really bad if everyone is really good. The peer groups that companies are compared against are way too large and they can fluctuate on a semi-regular basis.

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